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Comments to date: 8. Page 1 of 1.

rstar Location unknown	10:59am on Saturday, July 26th, 2008
IS There A legal Way To Protect Your Assests Against Lawsuits & Judgements? I friend of mine had a stroke. His insurance was payed a limited amount and his personal and business assests were virtually wiped out. I want to protect myself from a s... read more »
InLoveCh Location unknown	8:46pm on Thursday, March 20th, 2008
How do I go about getting on short-term disability benefits so I can get seek help for my depression? I have those benefits in my company, but want to know the right steps. I would ask HR, but I learned long ago that HR is not always your friend. So... read more »
maxxy Location unknown	12:02pm on Friday, January 4th, 2008
What is considered a good benefit & compensation package? I'm curious as to what is generally considered a good, better or the best benefit plans in different companies. Thanks. Best answer: I can only speak for the United States, since... read more »
Debra Location unknown	7:36pm on Monday, March 19th, 2007
I love to book travel,what is the best way to get certified to be a travel agent? I love to travel myself,plus I found that AirTran is great airline,I want to be an independant travel agent working with airlines,cruises,vacations at WDW in Orlando. ... read more »
** Location unknown	3:43pm on Sunday, March 11th, 2007
What type of benifits does a teacher get? i need to know this for a school assignment...soo please help me out!like vacation,heath and life insurance. Best answer: Teachers typically get the following benefits: - Medical, Dental, Vision Benefit... read more »
Braden Location unknown	5:40pm on Saturday, February 24th, 2007
What does this denial from an insurance company mean? I am currently looking for an insurance plan that will cover me - I have OCD and recently received a denial that stated "Legislation in your state does not allow us to place long-term rider... read more »
Koshe Location unknown	10:50pm on Wednesday, November 1st, 2006
How does Work Disability Work? HR said if I go on Disability both short and long term, then I will get 60% of my total pay, including bonuses, etc.. Example. If I make 50K a year, and I get 5K bonus, they will base the 60% benefits on 55K. They al... read more »
nassrin Location unknown	12:47pm on Thursday, June 8th, 2006
employment oppotunities(loan officer)at city national bank of california? I am looking for a loan officer position related to real estate at the loan center of city national bank of california. Best answer: As if now City national bank of califor... read more »

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Resolved Question: I am a new driver on a limited budget. How much car insurance should I buy? (Sat, 28 Aug 2010 06:49:11 GMT)

I have recently passed my driving test. I do not make much money (I am on minimum wage as I am a new college graduate), but I want to be safe and buy as much car insurance as I can, as I feel that as a new driver I am more liable to have an accident than most people. My question is, how much insurance should I buy, and which types of coverage are most important? Also, what happens if I don't buy enough coverage, then have an accident? I know it is a legal requirement to have Liability, for

Resolved Question: Can a college require therapy before they'll provide accommodations? (Tue, 24 Aug 2010 23:43:40 GMT)

I would like to talk to my college disability office about disability accommodation for my anxiety disorder. However I'm concerned because they state on their website that "many disorders can be controlled with medication and/or psychotherapy so that they do not constitute a disability." I'm worried they'll say I'm not in therapy so they won't provide an accommodation. I can't afford therapy right now. The on-campus health center does not provide on-going therapy. Our insurance doesn't pr

Voting Question: Child medical coverage in Texas? (Wed, 21 Jul 2010 18:00:45 GMT)

I have a child 6 yrs old. Until today, he was under my wife's health plan. She worked for her company for 10yrs, and 6 months ago, she had a work related injury. She has had operations, and steroids shots, to alleviate her extreme pain, but nothing has worked. She has Herniated Disc. I live in Texas. My wife was on short term disability, but now she is under workmen comp. There is an organization "CHIPS INSURANCE'', that is run by the State Govt. They are asking for our income. I get

Resolved Question: how do I get health insurance comproble to what my employer now provides without paying too much? (Wed, 21 Jul 2010 14:30:42 GMT)

i will be on disability soon and will need health insurance for myself and my husband we are 61 and 62 years old. We will need good health coverage but prices and plans vary so much we would like to know how we can get decent coverage without paying 8 to 900.00 a month

Voting Question: Insurance Regulation/Procedure Questions? (Wed, 21 Jul 2010 02:44:47 GMT)

I'm taking my Health Insurance producer exam in the next few days and I need some help. I cant find the answers online and the online course i took doesn't cover these specific questions. Any help would be appreciated. _____________________ -After a branch closing, the branch owner must deliver the branch certificate back within how many days? -Who determines fair trade, the Commissioner (the individual), or the NJ Fair Trade Commission (the body of people)? -When is a child no longer depen

Resolved Question: are most conservatives really oblivious to the downsides of capitalism? (Tue, 20 Jul 2010 06:09:36 GMT)

or do they just not care? Downsides: for someone to become rich several people have to fall below the poverty line. since people cant afford to live they turn to crime and drugs. increases obesity (get a 5 layer burrito for $.99 or a salad for $4) now i know the first thing im going to hear is "well they can make their lives better" not really, if you dont have money its really hard to get an education beyond high school especially if you have a learning disability (dyslexia) ok lets assum

Resolved Question: Is there such thing as a type of social worker who can help a person navigate through solving a crisis? (Mon, 19 Jul 2010 20:29:30 GMT)

Our neighbor, a single parent with 2 kids, was self employed but is now permanently disabled so can no longer work at all. She just lost her house to foreclosure (predatory lender scam), her car to repossession, her family medical insurance coverage and her utilities are going to be cut off soon. They have to be moved out in the next few weeks and can't afford to move anywhere. She's ineligible for unemployment benefits (California) because she was self-employed, and can't afford to go to t

Resolved Question: Is type one diabetes a legal disability in the USA? (Fri, 16 Jul 2010 04:24:54 GMT)

I can't find a straight up list of what legally qualifies as a disability anywhere, and I was thinking this might make the list. I'm unemployed and in need of assistance, but I've been denied aid from a lot of places, because I'm in that tricky 18 to 26 age group where I'm considered an adult so I'm denied coverage by my parent's insurance, yet considered a dependent and denied by everyone else because my father makes too much money. My parents actually can't support me, as what is too much

Resolved Question: US Military married living in Philippines,medical insurance 4 pregnant wife? (Thu, 15 Jul 2010 10:04:07 GMT)

I have 100% disability US military pension,,and married and living in philippines found out that dependants medical coverage only if in USA..i need to know about medical insurance for pregnant wife here in philippines,,almost everyone is corrupt here!! almost EVERYONE..so who can i trust and legit insurance medical coverage,,if there is such a thing..I have not yet talked to ACS(american citizens services) at US embassy yet..need appointment and only 1st and 3rd wednesdays of month and waiting

Resolved Question: US military married in philippines.medical insurance 4 wife? (Thu, 15 Jul 2010 09:59:47 GMT)

Resolved Question: I have an EPO insurance plan at work, would i be able to add my fiance who is 8 and a half months pregnant? (Mon, 12 Jul 2010 04:42:33 GMT)

She has POP ins with her dad through Anthem, how ever because she stopped going to College full time due to a delicate pregnancy, her father's insurance is threatening to drop her coverage. She is 21 and has a part time wich she is now on disability from. Would my ins pick her up, eventhough she is about to give birth?

Resolved Question: should I sue Kings Dominion? LONG story but interesting and complex...? (Sun, 11 Jul 2010 08:26:07 GMT)

LONG story so warning you... and complicated. I've got medical documents. Well I'll try to make a complicated and long story as short as I can. My joints pop out. Even my feet, thus I'm flat footed. I have severe knee pain, which is chronic. I haven't had a job in 3+ years and eventually had to tell them. I mean 2 hours then I had to leave... they didn't accept ER notes. This is Kings Dominion BTW! So takes me a few weeks to get in contact with anyone. To find out... now... I'm on a good dose

Resolved Question: Why do Conservatives insist that Obama has done nothing positive? (Wed, 07 Jul 2010 19:05:45 GMT)

He has: -Created an Advanced Manufacturing Fund to invest in peer-reviewed manufacturing processes -Increased minority access to capital -Required economic justification for tax changes -Changed standards for determining broadband access -Established a credit card bill of rights -Expanded loan programs for small businesses -Extended and indexed the 2007 Alternative Minimum Tax patch -Closed the "doughnut hole" in Medicare prescription drug plan -Expanded the Senior Corps volunteer program -Re

Voting Question: in hillsborough county florida is there any emergency medical? (Wed, 23 Jun 2010 17:50:00 GMT)

my son is in lake land hospital in the trauma center. they applied for his social security disability and medicaid. he has been there since 6/2/10. since it takes medicaid a few months to approve, the hospital tells me i have to take him home due to no insurance. please help. he had 2 brain surgeries, his left and right side of his skull have been removed. he is on a feeding tube as well as a bag for his bowels and catheter, I don't know what to do. they are just pushing him out the door becau

Voting Question: Help - trying to figure out my short-term disability insurance situation with pregnancy!? (Sun, 20 Jun 2010 04:47:15 GMT)

Sorry if this is complicated: I just became eligible for STD insurance with my company this past month. I am expecting my first child July 15. I know I am eligible for STD after I give birth, but I would like to be able to take two weeks off before I give birth. I don't even care if it's paid -- I just want to know that me taking two weeks off before won't effect my eligibility for STD coverage afterward. I haven't yet asked my doctor for a note excusing me from work, because frankly I fee

Resolved Question: What is your opinion of the following? (Thu, 17 Jun 2010 00:51:00 GMT)

Rights and Protections Denied Same-Sex Partners Because same-sex couples are denied the right to marry, same-sex couples and their families are denied access to the more than 1,138 federal rights, protections and responsibilities automatically granted to married heterosexual couples. Among those are: - The right to make decisions on a partner's behalf in a medical emergency. Specifically, the states generally provide that spouses automatically assume this right in an emergency. If an indivi

Voting Question: DHS signed me up and wants to charge me for health coverage from Medicare? (Tue, 15 Jun 2010 02:53:13 GMT)

Can our government be any more heartless??? Thank you for taking the time to read. I’ve been depressed lately and getting this letter from Illinois Department of Health & Human Services (IDHS) just made my life even more disheartened… I’m 38, and I’ve worked since I was a kid. And in January 2001 I had to say goodbye to a very well paying salary and what I hoped to be doing the rest of my life. I have been fortunate enough with the help of an attorney to receive disability benefits startin

Resolved Question: I seriously need something to keep me hanging on? (Thu, 03 Jun 2010 04:33:15 GMT)

I'm a 19 year old girl and I am handicapped and I use a wheelchair to get around. I'm not going to college at the moment, I don't have a job, and I don't drive. I also live with my parents. As a result of my disability, I have become mordibly obese and I'm waiting on getting gastric bypass surgery. My dad has been unemployed for over a year and my family has had alot of money and insurance problems. So I guess my surgery isn't really high on the priority list. But basically my life is on hold

Resolved Question: I am a veteran from the army and i have disability im going to the decatur clinic in ga...? (Thu, 27 May 2010 17:45:55 GMT)

does my wife have coverage too? i am on the purple team at the hospital and my wife has a pre existing condition and insurance companies want like 700/month does the va take her because this is my wife?

Voting Question: what is the coverage characteristics of disability insurance? (Thu, 27 May 2010 03:04:23 GMT)

Resolved Question: In California, how long do I have to appeal a Workers Comp denial by the insurance company? (Mon, 24 May 2010 06:13:49 GMT)

I was denied WC coverage, and received state disability, but WC should be the one paying, not the state. I would like to appeal as a matter of principle, but it's been about a month, do I still have time to file an appeal?

Voting Question: i dont qualify fo medicaid? (Sun, 23 May 2010 13:11:56 GMT)

i was recently cut off SSI cause my father just passsed away and because i am disabled since childbirth i am eligible for his SSID(2 different incomes) unfortunitly i will be cut off medicaid as well my disability or my situation hasnt changed(just my income and only by slightly ) im not able to work so im not able to get any medical covarage im not eligible for medicare either(im too young and i dont have enough credits) so right now i have no coverage i take meds on a daily bases and i go t

Resolved Question: How will my parents disability cover me? (Mon, 17 May 2010 21:24:23 GMT)

My mother was just issued her disability after two years of fighting for it. I was 17 when she applied and I just turned 19. She received a letter in the mail telling her to wait 60 days and if she did not hear anything about me to contact her social security adviser. I lost my insurance when I turned 19 and I wanted to know if her medicaid will cover me? After the new health care plan I've heard many stories of how long a child is covered. We've been told I can be covered until I'm 26 and oth

Resolved Question: I am on medicaid ssi disability and am HIV positive My Mother wants to leave me an inheritance of $300,000? (Sat, 15 May 2010 01:45:32 GMT)

If she puts me in her will and lists me as beneficiary on her bank accounts can the government take this money from me if I drop the medicaid coverage when she dies?She has also left me as beneficiary of a home mortgage which would pay off the home and leave it to me. I would be able to pay for insurance at this time if the new health care program will cover me.Can the gov. take a inheritance from you?

Resolved Question: How do I get Medicaid for my disabled son if we don't qualify for Social Security Income? (Tue, 27 Apr 2010 04:53:03 GMT)

My son has Down syndrome and it would help our family a lot if he could be on Medicaid to cover co-pays for our private insurance, therapy sessions, etc. He has a lot of doctors and specialists, and although we have private insurance through my employer, we still end up paying a lot out of pocket. I called the local Medicaid office, and they said he would qualify for Social Security, which would then also come along with Medicaid. I applied for Social Security for him, but was turned down d

Resolved Question: Do you agree with "Buy Term & Invest the Rest? What happens if you become uninsurable later b/c of disability? (Mon, 26 Apr 2010 01:51:42 GMT)

And your term life insurance policy does not have an ability to convert to a permanent policy w/o going through underwriting (which now you will not qualify for coverage)?? And you die after your term policy is exhausted, will the person who gave you such advice now help your family??

Resolved Question: can someone help me with this financial problem? (Wed, 21 Apr 2010 02:29:22 GMT)

Georgia Braxton. a widow, has a take-home pay of $600 a week. Her disability insurance coverage replaces 70 percent of her earnings after a four-week waiting period. What amount would she receive in disability benefits if an illness kept Georgia off work for 16 weeks?

Resolved Question: Can you get short term disability insurance if you work less than 30 hours a week? (Thu, 15 Apr 2010 04:16:17 GMT)

I want to get short term disability insurance but I only work 24 hours a week and everyplace I look into requires you to work at least 30 hours a week to be eligible. There is no option at this time for me to pick up extra hours at my job in order to get to 30 hours. Does anyone know of any insurance company who does not require 30 hours of work each week in order to qualify for short term disability coverage? Can you combine hours from 2 separate jobs to reach the 30 hours if needed? Any help

Resolved Question: Clarification on Accident Law Suit? (Wed, 14 Apr 2010 00:28:22 GMT)

I was involved in an accident last june(2009) and I was at fault. There were no visible injuries except the car damage. Police was called and no ambulance was called. I did confirm from the police officers at the accident spot that no one was injured. Now this guy has filed a suit against me for permanent disability and medical expenses(for huge amount). This is the first time i am getting involved in a bad accident and I am really not sure how this is going to turn out!! My bodily injury cove

Resolved Question: Why does the Social Security Administration typically deny first claims for Disability as a matter of routine? (Mon, 12 Apr 2010 20:55:14 GMT)

I spoke with a state insurance manager with years of experience helping those with pre-existing conditions and she said the Social Security Administration routinely denies first claims for Disability. Indeed, this has spawned an entire section of the legal trade to help those denied Disability coverage so they can get benefits when disabled. In this particular situation, I have a sick relative with Hepatitis and Diabetes who cannot get private insurance due to pre-existing conditions and has

Resolved Question: how do you think flexible benefit packages would affect an employee's preference between higher wages and more? (Tue, 06 Apr 2010 23:26:25 GMT)

Increasingly, employees are being allowed to choose benefit packages from a menu of items. For instance, workers may be given a package of benefits that includes basic and optional items. Basics might include modest medical coverage, life insurance equal to a year's salary, vacation time based on length of service, and some retirement pay. But then employees can use credits to choose among such additional benefits as full medical coverage, dental and eye care, more vacation time, additional di

Voting Question: Probability Problem Help!? (Thu, 01 Apr 2010 04:04:44 GMT)

I have been working on this one Probability problem for a while now and cannot figure it out. Could anyone please help me using the correct formulas or even directing me in the right direction! Insurance company has shown that 1. car owners are twice as likely to purchase collision coverage as disability coverage. 2. In the event that a car owner purchases collision coverage is independent of the event that they purchase disability coverage. 3. The probability that a car owner purchases both

Resolved Question: Will There Be Any Change For the Hoax Obama Played On Disabled Kids? (Sat, 27 Mar 2010 23:22:42 GMT)

President Obama promised "Starting this year, insurance companies will be banned forever from denying coverage to children with pre-existing conditions". I guess that was just another one of his bait and switch lies. There is nothing in the law that says this. Lying to the general public is one thing, but giving parents of children with disabilities is so low that not even I think Obama could do such a thing. Is there any chance President Obama will make good on this promise, or was it necess

Resolved Question: Are your Health Benefits covered under HMLA? (Fri, 26 Mar 2010 19:08:06 GMT)

My Wife is going on Maternity Leave in about 2 months (depending on when the baby comes of course). We have medical insurance through her employer. She is covered under FMLA and Short-Term Disability. They will pay 60% of her salary for 6 weeks while she is on leave, but I was wondering if we had to pay the full premium to keep insurance (what we pay + what the company pays) or just the normal amount that is taken out of her paycheck. What are people's experience with this? According to the FM

Resolved Question: Is there a life insurance company that insures the mentally handicapped? (Wed, 24 Mar 2010 20:54:17 GMT)

Is there a life insurance company that sells coverage for a man with learning disabilities? Thanks so much.

Resolved Question: Question about Medicare as secondary insurance coverage...? (Tue, 23 Mar 2010 00:00:03 GMT)

I have Aetna as my primary, I receive it through my husband's employer and for our entire family we pay about $300 a month (which is pretty good compared to the $600 we paid a few years ago). I am also on Social Security disability and I receive Medicare. I pay about $100 for it monthly but they are considered my secondary insurance. I am curious as to what exactly I am paying Medicare for. It doesn't seam like they pick up that 10% that Aetna doesn't pay so what exactly are they paying? I a

Resolved Question: Should legislation be passed making driving a right...? (Mon, 22 Mar 2010 02:44:48 GMT)

since the roads and highways are paid for by the tax payers, and in most cases is necessary for everyday living. Also to point out, now that it is mandatory to carry health insurance, one must be able to get to their respective job(s) or be fined for not being covered. So, in other words... since it is now law that the government some how now has the right to force a product on the American people, driving on roads and highways paid for by the tax payers, has to be a right also in order to com

Resolved Question: Will Government-Run Health Insurance Pay Claims as Well as Our Personal Health Insurance? (Wed, 17 Mar 2010 21:52:00 GMT)

My child has a permanent disability and is covered under a personal health insurance plan that I purchased before she was born. It provides excellent coverage and cannot be canceled unless I fail to pay the premiums or the company pulls completely out of my state. It has paid claims beautifully and even bought her a Wii Fit because her physical therapist letter of recommendation confirmed that the kids will use the Wii Fit much better than they will climb the "stairs to nowhere", or any other

Resolved Question: Boyfriend on California State Disability, employer putting him on COBRA is that legal? (Mon, 01 Mar 2010 17:51:40 GMT)

My boyfriend, was in a motorcycle accident on Aug.30 broken his wrist and cracked his pelvis. He had surgery on the wrist in Sept. and the pelvis is healed. The boyfriend is a reginal truck driver and worked for the company for 2 years. The doctor projected he would be back in Jan. but there were complications. He has nerve damage in his pinkie and ring finger and part of his hand. They are doing surgery for that on March 19. His company is now saying they have to put him on a COBRA plan. The

Resolved Question: I'm trying to get pregnant. Can I get short-term disability insurance now? (Sun, 28 Feb 2010 21:43:28 GMT)

So I just talked to a friend of mine who is 11 weeks pregnant and she was telling me about all the disability leave options and I wondered if disability insurance like Aflac will cover the difference in wages. On their website it says it does but only if you give birth more than 10 months after the policy is effective. I'm not pregnant yet but should ovulate any day. This is our second round on Clomid. I ovulated last time but we did not get pregnant. I'm really hoping this is our month. Is t

Resolved Question: Why is Obama ignoring the fact that the greatest health care concern facing America really is? (Wed, 24 Feb 2010 23:59:41 GMT)

Why is Obama ignoring the fact that the greatest health care concern facing America really is the fact that untold millions of people need or will be needing long term care which at the moment costs upward of $ 12,000 per month per person & health care insurance + medicare coverage only allow for the first 90 days of this long term care ? After health care insurance + Medicare ( which is for those on disability as well as for seniors ) long term care benefits expire after the first 90

Resolved Question: Disability without insurance? (Tue, 23 Feb 2010 21:20:14 GMT)

My mom has no medical insurance but she does have hospital payment assistance. She has a very bad back which isnt allowing her to work. She tried to get medical insurance through the government but she was denied she will try again but it will take at the least a few monthes for her to get coverage. She really needs help with her back and can't work because of it. How can she get medical disability if she cant already. We looked into paying for insurance but it was very pricey and my dads job

Resolved Question: Disability Insurance for Dentists? (Sat, 20 Feb 2010 09:10:11 GMT)

I'm wondering if anyone has a recommendation about the providers for Disability Income Protection Insurance. Choices here are : ADA endorsed, by Great-West Life - Group Insurnace : They have very competetive rates. CDA TDIC brokered (Guradian, or The Standard ): Individual Insurancel Good coverage but expensive ( annual premium 4-5 times that of ADA-GWL)

Resolved Question: My daughter in law works for a company that is being sold out to another company. She is 8 months pre? (Fri, 12 Feb 2010 23:28:54 GMT)

My daughter in law works for a company that is being sold out to another company. She is 8 months pregnant and just found out this is to take place next week. She has been paying extra for several years for a short term disability coverage that would cover maternity leave. The company is planning on laying all the employees off, then the new company is going to offer to rehire with a pay cut. The new company is keeping the same insurance, but will this effect her maternity pay? Should she go a

Resolved Question: Why is someone switched from SSI to Social Security Retirement at age 62? (Thu, 11 Feb 2010 01:24:39 GMT)

My dad is now 62. But back in 1997 he qualified for SSI but did NOT qualify for Social Security Disability. Now, he is 62 and he was automatically switched from SSI to Social Security Retirement. The problem with this, is that he is not qualified as disable, even though he really is; and therefore does not qualify for Medicad and does not qualify for Medicare bc he was not considered disable in 1997 and he is not 65 yet. What kind of insurance can we get for my dad that will cover his medi

Resolved Question: Does home insurance have disability coverage? (Fri, 05 Feb 2010 00:17:54 GMT)

I have become permanently disabled & can't work. I have mortgage insurance but can't seem to find anything about disability coverage. I've been approved for Social Security Disability benefits. But thanks for the suggestions.

Resolved Question: When do I file bankruptcy if I will have no medical insurance anytime soon? (Tue, 02 Feb 2010 14:30:53 GMT)

My wife and I are about $500,000 in debt. 95% of that is due to medical bills. My wife has several medical problems that will never go away. So if I file bankruptcy now I'll have new medical bills to put me in debt again. If I don't file soon I'll be garnished. We are trying to get disability filed for her but it takes quite a long time and even when she gets it they wont give her any medical coverage for two years. I never dreamed that I'd be in this spot. To make matters worse I've been on w

Resolved Question: What are my possibilities for getting health insurance coverage through Medicaid or another provider? (Thu, 28 Jan 2010 16:15:17 GMT)

I have been without health insurance for six years, and I have had a chronic and debilitating work-related back injury (herniated disk L5-S1 nerve rut) for the past four years that I was denied worker's compensation for due to the "lack of conclusive evidence." I am currently unemployed, and the injury has caused me to be medically terminated from jobs that followed the original job where I was injured. I've also had to turn down several other physically demanding jobs that fall under the type

Resolved Question: Can I sue at-fault driver for remainder of loan for totaling my parked car? (Wed, 27 Jan 2010 23:41:37 GMT)

While I was shopping in a store another driver "lost control" of his vehicle and slammed into my car. At the scene, the police told me he went into a diabetic coma, but on the police report, it states that the witnesses and the cop that was there heard a loud popping noise, saw the car engulfed in smoke, then it drove straight for the passenger side of my car.My car then pushed into another parked car beside me, and that car pushed into the next car as well. My sister was waiting for me in the

Resolved Question: What medical benifits are offered for Social Security Retirement @ age 62? (Sat, 16 Jan 2010 00:55:21 GMT)

My dad has not worked since 1997 and was drawing SSI until November 2009. In December, they automatically put him on Social Security Retirement, resulting in him losing all of his Medicad benefits, bc he hasn't worked in 10years. Since my dad in only 62, he does not yet qualify for Medicare until age 65 and we need some help finding some insurance coverage. He has Emphozema and COPD and needs coverage for medication, Oxygen, Doctor Visits and Emergency Hospital visits. We are in very desperate

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